3652 Plum Ridge Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 3652 Plum Ridge Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,045 sqft · built 2022
Lot Size	1.21 acres (52,872 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,316 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-09-4-19-06-0-00430-00`

Property Details

APN / Parcel Number

Primary APN	`3-09-4-19-06-0-00430-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,045 sqft Adjusted Area
1st Floor Area	1,584 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	52,872 sqft (1.21 acres)
Lot Dimensions	415 ft deep x 150 ft wide
Deck Area	Deck Area

Location & Zoning

Street Address	3652 PLUM RIDGE RD
City	HERNANDO
State	MS
Zip	38632-4239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	LAKE O THE HILLS DELTA VIEW S LOT 430
Legal Range	009
Legal Township	03S
Legal Section	19
Legal Subdivision	LAKE O THE HILLS SEC A DELTA VIEW ADD
Legal Lot Number	430
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2032
Census Tract	71200

Owner

Source: DeSoto County records, as of December 23, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Nov 10, 2025	Deed of Trust, Mortgage · FHA Mortgage RENASANT BANK
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Aug 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Dec 28, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 28, 2021
Transfer Doc	000983/215
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239

Mortgage

Document Number	DKT5663/12212
Date	Feb 6, 2026
Book Page	DK T 5663/12212

Lender

Name	RENASANT BANK
Type	Bank
Address	COLLIERVILLE, TN 38017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 25, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3632 PLUM RIDGE RD, HERNANDO, MS 38632-4239

Mortgage

Document Number	5662/116965
Date	Nov 10, 2025
Book Page	5662/116965

Lender

Name	RENASANT BANK
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239
Investor	Possibly a Property Investor

Mortgage

Document Number	005464/690
Date	Feb 14, 2022
Book Page	5464/690

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	18 Months
Due	Aug 6, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239

Mortgage

Document Number	005577/688
Date	Aug 1, 2022
Book Page	5577/688

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239

Mortgage

Document Number	005617/767
Date	Oct 14, 2022
Book Page	5617/767

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 26, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 28, 2021
Property Address	3652 PLUM RIDGE RD, HERNANDO, MS 38632-4239
Document Number	000983/215
Book / Page	983 / 215
Map Reference	MB 4 PG 23&24
Instrument Date	Dec 28, 2021
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1775 HIGHWAY 301 S, LAKE CORMORANT, MS 38641-9646

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7632 WOODSHIRE DR, HORN LAKE, MS 38637-5115
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,316.00 (+21.96%)	$19,364 (+41.74%) Land $1,000 Building $18,364	$193,644 (+41.74%) Land $10,000 Building $183,644
2023	$1,079.00	$13,662	$136,622 Land $10,000 Building $126,622

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 60% of Mississippi
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EUDORA UTILITIES ASSOCIATION public/private · serves 3,749 people · EPA ID MS0170006
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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